Compare Ute & Truck Finance from 50+ Australian Lenders
From dual-cab 4x4s to full-size American trucks, line up sharp rates and repayments that fit your budget.
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Ute and Truck Finance Made Simple
Whether youâre eyeing a Toyota HiLux, Ford Ranger, Isuzu D-MAX or a full-size RAM 1500, Ford F-150/F-250 or Chevy Silverado, weâll help you finance it on terms that work for you.
Borrow What You Need
Typical amounts from $10,000 to $150,000+
Flexible Terms
1 to 7-year terms â set repayments to suit your cash flow
Fast Decisions
Eligible applications can be assessed the same day
New or Used
Dealer, auction or private sale supported
Predictable Repayments
Lock in fixed repayments so you always know whatâs due
Towing & Fit-outs
Bull bars, tow kits, canopies and trays can often be bundled
How it works
Compare lenders without the run-around â clear offers, quick steps, and help at every stage.
Apply online in 3 minutes
Tell us about you, the ute or truck you want, and your budget.
See matched options
Compare secured vs unsecured, fixed vs variable â side by side.
Upload your documents
ID, income and recent bank statements usually do the trick.
Settle & drive
We coordinate with the lender and seller so you can pick up sooner.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to ute and truck finance
Need a dual-cab for the family and the job site, or stepping up to a full-size truck for towing? A ute or truck loan lets you buy now and spread the cost into manageable repayments over 1â7 years. You keep your savings intact while getting the capability you want â payload, towing, 4x4, accessories â right away.
Lenders look at your income, credit history and the vehicleâs age/value to size the loan and set the rate. Newer vehicles (including RAM 1500/2500, Ford F-150/F-250 and Silverado) can unlock sharper pricing and longer terms; older models are still financeable with slightly different limits. The right structure makes the difference between a stretch and a comfortable fit.
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Types of ute and truck loans
Pick the structure that fits your budget and ownership plans:
What can you use ute and truck finance for?
Tailor your finance to how you actually use your vehicle â weekday workhorse, weekend adventure or both.
Work & Trades
Finance a HiLux, Ranger, BT-50, D-MAX or Triton fitted with trays, canopies, ladder racks and drawers so you can carry tools safely and stay organised.
Family Dual-Cab
Get a safe, roomy dual-cab with ISOFIX and modern safety tech â perfect for school runs and weekend trips.
Off-Road & Touring
Step up to a 4x4 build with suspension, bull bar, tow kit and snorkel â or go full touring spec for the Big Lap.
Towing Power
Need serious tow capacity for a boat, caravan or car trailer? Consider full-size trucks like RAM 1500/2500, F-150/F-250 or Silverado.
Lifestyle & Recreation
Mountain bikes, surfboards, camping gear â set up your rig for the hobbies that make weekends worth it.
Replacement Vehicle
Upgrade from an unreliable ute into something safer, stronger and more efficient without a big upfront hit.
Case Study
Alex & Priya
Alex & Priya step up to a RAM 1500âpower for the 3.5t van, payments that fit
Challenge: Towing a 3.5-tonne caravan safely meant stepping beyond their old ute, but Alex and Priya didnât want repayments derailing the household budget.
Solution: A secured, fixed-rate 5-year loan funded 90% of a low-km RAM 1500, with tow package, brake controller and canopy bundled at settlement.
Emu Money compared multiple lenders and they chose a sharp fixed rate with one consolidated repayment. The result was a calmer, more capable tow rig and a calendar full of longer tripsâno giant deposit, no surprises, and monthly costs that stay comfortably on track.
How much can you borrow?
Loan sizes typically range from $10,000 to $150,000+. New utes and full-size trucks can often be financed up to 100% of the purchase price (subject to profile and lender policy). Used vehicles are usually capped at 80â90% of value.
Terms run 1â7 years. Shorter terms mean higher monthly repayments but less interest overall; longer terms keep repayments lower but increase the total interest paid. Weâll help you find the balance that fits your budget.
Ute and Truck Finance Repayment Calculator
Model your repayments before you apply. Adjust amount, rate, term and balloon to see what fits.
Balance over time
Are you eligible for ute and truck finance?
Lenders want to see that the repayments fit comfortably alongside your other bills. Theyâll consider your income, employment stability, credit history and bank-statement health. The vehicle matters too â newer utes and trucks (including RAM, F-Series and Silverado) often attract sharper rates and longer terms, while older models may come with lower maximum LVRs and shorter terms.
If your credit isnât perfect or youâre self-employed, there are still options. Specialist lenders may offer flexible policies so you can get into the right vehicle without unnecessary hurdles.
You may be eligible if you are:
An Australian resident aged 18+
Earning a regular income (PAYG or self-employed)
Able to provide recent bank statements or payslips
Buying an eligible new or used ute/truck from a dealer, auction or private seller
How to apply for ute and truck finance
Apply online in a few minutes, upload your documents, and weâll do the legwork. Weâll compare lender offers, explain the differences, and manage settlement with the seller so pickup is smooth.
Documents you may need:
Driverâs licence or passport
Recent payslips or bank statements
Employment/ABN details
Vehicle details (VIN, rego, invoice/quote) â plus accessory quotes if youâre bundling fit-outs
How to save money on ute and truck finance
Look beyond the headline rate. Secured loans usually price sharper than unsecured. A balloon can cut monthly repayments but leaves a lump sum at the end â set the balloon to align with expected resale value. Newer vehicles often qualify for better pricing and longer terms. Bundle accessories (tow kits, canopy, tray, bull bar) at settlement so theyâre financed at the same competitive rate. And always check fees and early-repayment policies to avoid bill-shock later.
Example: Balloon impact â $55,000 over 60 months at 8.19% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $1,121 | Highest monthly cost |
10% ($5,500) | $1,009 | Lower monthly cost |
20% ($11,000) | $898 | Balance of cost vs cash flow |
30% ($16,500) | $787 | Lowest monthly cost; plan for resale/refinance |
Ute and truck loan options explained
These features change cost, flexibility and risk â pick what suits how you use your vehicle:
Secured vs Unsecured
Secured loans use the vehicle as collateral for sharper pricing. Unsecured loans can be faster and more flexible but usually cost more.
Fixed vs Variable
Fixed keeps repayments steady. Variable can move with the market â potential savings if rates fall, higher costs if they rise.
Balloon Payments
Lower your monthly cost by deferring a lump sum to the end. Make sure resale value or savings can cover it.
Early Repayment Flexibility
Some lenders allow extra repayments or early payout with little/no penalty â a simple way to save interest.
Fees & Charges
Check establishment, monthly and exit fees. The total cost is rate + fees + how long you hold the loan.
Testimonials
Verified Review
Clint G.
Verified Review
Jackson was very helpful in getting me a loan for my daughters car. Very happy with the service he provided.
Rick D.
Verified Review
I was so lucky to have had Evette as my broker through emu money, from the very first phone call Evette was amazing, so prompt and professional keeping me updated on the whole process of the application for finance for my new car, I highly recommend Evette!!!
Kaila B.
Verified Review
Really happy that it only took few days and no muck around. Ryan was friendly and able to help me pay off a loan and get a new car. Best part was taking away all the stress. Keeping me informed along the way with texts worked with me perfectly! Thanks.
Sheree F.
Verified Review
I was dealing with Ryan and wow đŻ He Helped me all the way from start too Finsh with my application,I would definitely go through these guys again Thanksđ
Phillip U.
Verified Review
Matt @emumoney helped me get the best rate on a personal loan for our new car, and we are currently finalising sorting our business finances into one loan. Awesome service and responsive to requests.
Tim P.
Frequently Asked Questions
Ute and Truck Finance FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
